Whether you’re at the start of your career or looking to discover your next adventure, your story begins here.  At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks.  We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning.  You’ll also have the chance to give back and make a positive impact on where we live and work through volunteerism.

Shape your Career with Citi

We’re currently looking for a high caliber professional to join our team as Vice President, Institutional Credit Management (ICM) Product Developer - Artificial Intelligence (AI) - Hybrid (Internal Job Title: Product Developer - C13) based in Mumbai, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decisions and manage your financial well-being to help plan for your future.  For instance:

• Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.
• Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
• We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

The Product Manager will join our mission to transform how Citi manages Wholesale Credit Risk (WCR), specifically focusing the development of a new platform utilizing Emerging Technologies, among others Generative and traditional AI, to manage how we make origination decisions and perform credit monitoring.

The wholesale lending products under focus include Corporate Lending, Leverage Finance, Real Estate, Securitization, Treasury and Trade Solutions, and more.

As a Product Manager, you will be a part of a new organization named Institutional Credit Management (ICM), which was recently formed to transform the way Citi manages the extension of wholesale credit to institutional clients. ICM is a global group focused on re-imaging credit control process, policies, and technology to manage the wholesale lending process end to end. Within ICM the Underwriting Product Management function is responsible for managing and developing credit risk strategies and platforms as they pertain to risk appetite management, client engagement, origination decision making, and credit monitoring. Additionally, the product manager is responsible for managing requirements and development activities that will create a user centric experience to meet the needs of differing business lines, regions, and regulatory demands.

With the new Emerging technologies available in current market key responsibility of ICM Product Manager is to develop new use cases and capabilities how to utilize these new technologies within both current and new platforms and processes while increasing data quality, process controls and efficiency.

If you are an individual who takes ownership, strives for client and risk management excellence, and learns from different perspectives to surpass stakeholder expectations, then this is a unique leadership opportunity for you.

This role will work in collaboration with cross-functional and cross-business stakeholders throughout the lifecycle of the initiative. To be successful in this role, the candidate will have previously in-depth understanding of corporate lending and underwriting processes and has familiarity or experience partnering with technology to drive incremental change according to Agile software development principles. 

In this role, you’re expected to perform:

Credit Risk Activities in Scope for Transformation:

• Originations & Amendments – Transformation of the deal management lifecycle from prospecting through underwriting, credit administration, and booking operations.
• Periodic Assessment and Client Monitoring – Transformation of the credit review processes including Annual Reviews and Problem credit management
• Portfolio Limit Setting and Management – Transformation of how Citi Manages Limits across Lending and Counter Party Credit products, including implementation of a comprehensive monitoring structure.
• Client Management and Servicing – Transformation of how our clients interact with Citi to execute on their business operation needs, including statements, draws, etc.
• Core Services – Transformation of the underlying foundation, data, and functional services that support the above business activities (e.g. Financial Spreading, Collateral Management, Covenant Monitoring, etc.)

Key Focuses:

• Partner with various ICM colleagues and risk managers to develop origination and credit monitoring strategies for managing credit risk in a timely, accurate and complete manner.
• Utilize modern Emerging technologies for simplification, automation, quality control leading to improvement in Efficiency of internal processes and systems.
• Launch and manage new Products, Projects and Initiatives utilizing Emerging technologies and ensure both technical and governance deliveries of these efforts.
• Effectively navigate from the strategic to the requirement level, enabling the design team to confidently execute designs informed by user needs
• Lead a set of products working groups to maintain outcome-based roadmaps and sequencing, review progress towards OKRs, and track risk dependencies and issues.
• Conduct design workshops that enable collaboration and conceptual solutions, while serving diverse personas
• Leverage journey-based design strategies to drive an overall product design process and validate prototypes into production, including visual design and content strategy.
• Drive digital transformation by re-engineering operational business processes, focusing on optimizing target state processes and end to end workflow orchestration with technology empowerment.
• Follows market, industry, and client trends to own field and adapts them for application Citi’s products and solutions platforms.

As a successful candidate, you’d ideally have the following skills and exposure:

• Bachelor’s degree in business / equivalent or technology related field
• 6-10 years of relevant experience
• Expert knowledge in various software development methodologies, and project management concepts (e.g., requirements creation, feature identification, and user story writing)
• Knowledge about Generative AI and Traditional AI. Key features, strong and weak points of these technologies and Experience with their implementation in existing processes.
• Ability to independently lead projects through strategy, design and implementation phases and being accountable for the direct financial impact of the initiatives
• Ability to present various Projects and Product to senior leadership in understandable and capturing way
• Basic knowledge of programming in Python is advantage
• Familiarity in a front office, middle office, or operational capacity supporting the credit lifecycle execution or related transformation efforts in wholesale lending
• Demonstrated ability to translate end user needs into tangible work products that technology engineers can move forward to develop (e.g. Process Flows, Requirements, Design Artifacts, Screen Mockups, etc.)
• Track record of working across multiple stakeholders and collaborating with various technology partners

Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Take the next step in your career, apply for this role at Citi today

https://jobs.citi.com

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Job Family Group:

Product Management and Development

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Job Family:

Product Development

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Time Type:

Full time

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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